Fee-only financial advisors for early retirement and FIRE planning.
Early retirement is planning-heavy: 30-50 year retirement means sequence-of-returns risk, healthcare before Medicare (age 65), tax-advantaged access strategies (Roth conversion ladder, 72(t) SEPP, Rule of 55), and withdrawal rate safety in a long horizon. Missing any one of these can sink the plan.
Situations we handle
- I have $2.3M and want to retire at 52 — is that enough?
- Healthcare from 52 to 65 — ACA plans? COBRA? Part-time work for benefits?
- Roth conversion ladder — how do I structure this?
- 72(t) SEPP vs Rule of 55 for early IRA access?
- 4% rule over 40 years vs 30 years — what's actually safe?
- Sequence-of-returns risk is bigger for me — how to hedge?
Why a specialist. This niche requires specific knowledge that generalist advisors don't have.
Tools & guides
FIRE Number Calculator
Compute your FI (financial independence) number and years-to-FI based on current savings, spend, and contribution rate.
Early Retirement Financial Planning Guide
Detailed framework — rules, tradeoffs, employer- and account-specific nuances, common mistakes.
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Fee-only advisor with no commission conflict. Free match.